BlastPoint's Credit Union Scorecard
GALE
Charter #60327 · IL
GALE has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + AMR Growth Rate: Top 2.0% in tier
- + Loan Growth Rate: Top 4.8% in tier
- + Deposit Growth Rate: Top 5.0% in tier
- + Asset Growth Rate: Top 5.1% in tier
- + Total Loans: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.0% YoY
- - Share Certificate Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,702
-6.0% YoY-0.7% QoQ
|
+2.1K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$67.6M
+12.8% YoY+3.3% QoQ
|
+$37.4M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 13.7% in tier |
| Loans |
$43.6M
+17.3% YoY+6.3% QoQ
|
+$27.8M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Top 8.2% in tier |
| Deposits |
$59.8M
+13.4% YoY+3.5% QoQ
|
+$34.1M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 12.5% in tier |
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| ROA |
0.9%
+14.7% YoY-9.6% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
3.8%
+1.6% YoY-0.1% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
76.8%
-5.3% YoY+2.9% QoQ
|
-5.8% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.4%
-11.8% YoY+92.2% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
72.9%
+3.5% YoY+2.7% QoQ
|
+12.2% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$21,995
+22.4% YoY+5.4% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 14.7% in tier |
| CD Concentration |
37.6%
+27.4% YoY-3.1% QoQ
|
+13.1% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
0.8%
-44.7% YoY-16.5% QoQ
|
-13.0% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)